little bit harsh when they do engage with business to turn around and say, ah-ha, they're engaging with business. they don't really mean it. let's see. i appreciate the fact that they're engaging. by the way, they're engaging a lot. follow-up phone calls, conferences, they respond to questions. if they call you up after you made the question and ask you if you have the answer. anyway, the devil is always -- >> your sense on the next steps of regulation, the implementation of dodd-frank? as i said before jamie diamond was here, almost defiant, and still really pushing and suggesting that things have been overdone in washington. >> yeah. i think the pendulum, look, the trauma was very great and it was very recent. if you think back, you know, not from recall, but what you read about the depression, you know, that was in 1929, happened with the securities and exchange act up 33 four years later. 34, 35, 37, 39, 40, and so it came out later, and there were adjustments.